Federal officers disclose ratings for health plans, but they’re inapt for some. Here’s why
It’s time for millions of people in the United States of America to shop for individual health insurance for the upcoming year 2020. It’s perfect time for Americans to see and
check federal ratings and compare the health plans’ quality on the Affordable Care Act’s insurance marketplaces.
Almost one third of healthcare insurance plans on the federal exchanges do not have a quality rating and this is true for plans in Nebraska, Kansas and Iowa. Out of eight states, Missouri is one state that does not have any healthcare plan and have earned three stars.
A new way to evaluate health plans
The star ratings are essentially new to the federal exchanges, which work in 39 states. CMS said, approximately, 80% of plans in the federal marketplaces have acquired 3 or more stars and only 1% earned five stars.
It is important to know that the new federal star ratings are depended mostly on three main areas that is evaluation of the administration plan such as customer service, clinical measures that consists of how often plans offer preventive screenings and survey of perception of members of their plans and consequently their healthcare providers.
Katherine Hempstead, a senior policy adviser at the Robert Wood Johnson Foundation said that consumers do not want to change their healthcare insurer even though rates and benefits from it change”. She added further that it is a big pain for them and they are not aware if they change plan than things will become worse or better. However, people do responds reviews and consumer ratings. These ratings help other consumers to select and decide on advantages of Medicare plan in addition to comparing hospitals. It started testing the exchange ratings in many states over the past few years.